Bathtubs specifically designed for seniors are manufactured in a way to minimize the odds of an accident which are most common while bathing. For elderly, even a little slip might lead to serious issues which could take away their ability to enjoy freedom. As more & more folks are realizing the need of senior bathtubs, they’re becoming common in houses all over the country.

Eliminating the need to step-over

With regular models of bathtubs, individuals are required to take a step which can be around twenty inches above the ground before they have access to the water. While stepping over, seniors with balance or mobility issues might lose their steps which might lead to a major injury or accident. With swing-in/swing-out doors, senior bathtubs get rid of this difficult step. Senior bathtubs only need a little step-off the ground before you access the water.

Slip-resistant floors:

A number of senior bathtubs are manufactured so that they can provide maximum safety to the elderly. This also includes the flooring. So as to avoid slips whenever the surfaces become slippy because of soap or

Safety seats

Before they can use a regular tub, seniors are required to sit down completely inside the tub. Even though it may be easier for some to get down in the tub, getting up might prove challenging for most. Tubs designed for seniors provide safety seats which don’t need the user to get completely submerged in water. The seats when you combine them with shower hoses seats allow elderly folks to bathe freely without needing to worry about how they’ll get out once they’re done.

Safety bars

Although you can find safety bars in-built with the majority of the designs, in case they aren’t, you can add them yourself quite easily.

Safety bars further increase the safety by offering elderly people something which lets them steady themselves while getting in as well as out of a bathtub. In addition, they could also assist those who would like to submerge inside the bath tub’s waters for enjoying a deep soak & people who just want to seat. Are you looking for additional coverage which can help you reduce the out of pocket costs associated with your Medicare coverage? Do check out 2020 Medicare Supplement Plans which are most popular among seniors who’re 65 and above.

Retirement plans have a big part to play in ensuring that you have smooth finances after retirement, with no hindrances. The best retirement plan lets retirees get the chance to save enough money to live the rest of his life well after superannuating, and meet all the necessary expenses. Here are some factors to consider for choosing the best retirement plan for your needs. get a quote for a 2020 supplement plan to save money.

Your Yearly Income

There are a few restrictions in some retirement plans having annual income amounts to ensure eligibility. Lots of IRA accounts, 401K plans and other options for retirement might not be open to people who make high income. A few plans can be targeted for self-employed people or small business owners, whereas others are designed for employees who make high income. There are even others who can be perfect for people who get low-income wages. You have to know the amount of money to earn every year to decide about the best plan for your own requirements for retirement.

Your Annual Expected Plan Contributions

The plan of your choice needs to account for your annual anticipated contributions and make sure that it is possible to achieve your retirement objectives. A few plans can restrict the contributions that can be allowed to small amounts every year. Some plans might let you catch your contributions up when you are about to retire.

Your anticipated retirement costs

Picking the most appropriate retirement plans need to include evaluating the retirement expenses that you expect. Such costs might vary across people, and the best retirement plan will let you save the sum that you expect to require when you plan to retire. A few plans might not extend investment options that can offer the returns that you need for achieving the account balance that you want. Ensure that you include every potential expense that you might encounter after retiring. Else, you could pick a plan that does not match your needs.

Tax Planning Advice

You also need to include professional tax advice in order to get the best plan. Poor retirement planning is likely to leave you with huge tax liabilities when you need your income the most. While the pre-tax contributions in a few plans are taxed upon distribution, there is no taxing of withdrawals in the post-retirement stage in other plans that utilize contributions done after-tax. With tax advice, you can pick the most appropriate plan to satisfy your objectives and retirement needs.

You have some extra time on your hands during retirement and you want to learn more about all the new apps that smart phones have on them to make your life easier, rather than sit and research Medicare supplement plans. Here is a quick guide to some apps you should be downloading for your smart phone right now.

Skype

Skype is a video calling app that uses the camera on your phone to show you to the person you are talking to, and their camera to show them to you. This is about as close to being in the same room with someone as it gets, and you can do it from being on opposite sides of the world. This app is extremely useful for when you are away from your friends or family and want to see them without being able to actually physically be with them. Keep this one on your smart phone for good.

Google

What would anyone do without Google these days? If you ever have a question about anything, literally anything, just type it into the Google search engine and get flooded with millions of results to your search. You can ask Google things as simple as what the weather is like outside currently, to which teams are playing in the football game tonight, to converting meters to inches. You will get your answer to all of your questions at the snap of your fingers, which is extremely convenient when you need an answer to something quickly.

No need to keep bulky calendars with you anymore and struggle to find writing utensils to write on it with. You can keep your entire calendar and schedule right on your smart phone and update and edit it as needed, anytime you want. The calendar app can store locations to your events so you can search for driving directions when it’s time to go. It can send you alerts at times that you specify to remind you to leave for an event. It can even color code your calendar entries so you can stay organized across the board when it comes to different activities you are involved in.

Photos

Storing your photos on your phone is essential and these days you can fit thousands of them on your phone. Next time you want to show your friends your adorable grandkids or your new puppy, all of your best pictures are right in your pocket for you to show anytime you want.

Build a loyal following with your blog online by posting reviews of things you use in your every day life. If you are running out of topics to write about, use these ideas for new content to post. It’s likely more entertaining than researching Medicare supplement plans.

Workout Equipment

If you like to stay active and healthy you probably have some workout equipment laying around the house, or you have at least used some in the gym. When people are considering spending a good amount of money on equipment, they want to know they are making good decisions. Do your blog followers a favor and write about equipment you have used or own and if they are worth making the purchase. You may even be able to sell some old pieces you no longer use if your followers are ready to buy right from you.

Electronics are usually pretty expensive luxuries we like to spruce up our house with. Big screen TVs, speaker systems, laptops, headphones, tablets, you name it. Start writing about all the different gadgets you own or have used recently and start a conversation with your followers about things they have used and recommend, or don’t recommend, as well. Technology is evolving practically every single day, so most gadgets are seemingly becoming obsolete just as quickly as they are being released. Make sure the electronics you review are relevant and aren’t already going out of style.

Art

Original art that you own may not be as easy to buy for the general public, but reviewing art pieces you own or admire can still be a great way to spark conversation amongst your followers and will make you appear more sophisticated at the same time. Even people who don’t love art subconsciously love art, and everyone is captivated by visually stimulating images. Post pictures of the art you are discussing and draw people into the conversation. It may end up creating a great little market place for buying and selling art right on your website. You could make some good money that way or make a commission for introducing buyers and sellers on your website. Who knew just blogging about art could actually start making you some money? If you don’t have any art to discuss or show off yourself, talk about art pieces you have seen in your friends and family’s places as well. Start the conversation somewhere and then go find your own art to discuss.

Millions of American seniors, and skilled people with disabilities depend on Medicare for their health insurance in the United States. This great government program helps these people to afford health care, but it does not provide 100% coverage. There are some services that may be covered, but not one hundred percent. Even if you have Medicare, you still have to pay part of the cost of your health services yourself. It is important that you learn about your benefits so that you know what is covered and what is not.

Consider some general health needs that are not covered by basic Medicare benefits.

Long-term care:

The basic program limits the level of care that it covers. You can limit yourself to a certain number of days of normal care costs. If you need regular care, either from assisted living, a nursing home, adult day care or home help, you can enjoy the benefits of relying on Medicare cover. This is probably also true if you have an advantage or supplement plan.

By the way, if you’re researching pension insurance, make sure you understand the difference between Medicare and Medicaid. Medicaid is a health insurance program for people with very few assets and low income.

Medical travel costs:

The basic program hardly pays for healthcare outside the United States. If you want to travel to another country, you will not be able to count on your Medicare benefits. Some supplements may expand this coverage or you may purchase an additional travel health insurance plan. If you are traveling outside the US, it is a good idea to research these plans.

This may sound surprising, but as you can imagine, that there are several reasons for this limitation. Some of these may be political, others may be financial.

Vision, Dental, and hearing:

The seniors and the disabled people need vision, dental, and hearing aids, Medicare however offers very limited coverage for these services. You can’t rely on your benefits to help you pay the ophthalmologist, dentist, or hearing care professional. These are serious health needs, but beneficiaries need to find alternative ways to finance those services most of the time.

You can pay for these services out of pocket. You can also choose to purchase extra coverage from a private insurer. There are also materials available to help people on low incomes get the services they need.

Why worry about things not covered by Medicare?

An understanding what your services are helping you and what they will not pay for, is imperative. This will help you prepare for a safe and comfortable retirement period. You may need to reserve more money for these expenses, or you may decide to buy private cover. The right approach really depends on your own individual circumstance.

If you have begun to receive social security benefits for disability insurance, it is high time you start thinking about signing up for Medicare plan. In many cases, if you receive disability benefits, you will be entitled to Medicare two years after you start receiving benefits. In some cases it is even earlier.

Who qualifies for disability benefits?

Roughly speaking, adults below the age of sixty-five, must be either disabled or blind and receive benefits under tight financial circumstances. In addition, they must be prepared to demonstrate this by allowing the federal government to examine their financial records and stay in the United States to apply.

According to the Social Security Institute, the disability must last longer than 12 months (or be life-threatening) and prevent you from performing essential work.

Lastly, you have to prove that you have been working of late and for a good number of years.

Can anyone get Medicare before the two-year mark?

Certain government employees and their dependents, persons with Lou Gehrig syndrome (Amyotrophic Lateral Sclerosis), and those with permanent kidney failure are eligible for Medicare before they reach the two-year mark for social security disability benefits.

The Consolidated Omnibus Budget Reconciliation Act (COBRA) of 1985, gives workers and their family members the right to receive health benefits 18 months after their employment ceases. For disabled employees, an extension of 11 months may be added if requested in advance for the Social Security Administration to process their claim. After 29 months, the 2-year waiting period for Medicare and the 5-month waiting period for disability benefits will end. However, keep in mind that you often have to pay a much higher premium during the disability extension.

For more information, contact your state insurance office as these laws vary. If your age cohort enters open enrollment at the age of 65, you would need to purchase a new Medicare Supplement policy, as you have access to more plans with lower premiums.

If you are disabled and receive social security benefits, think about what type of Medicare insurance is right for you. This can be confusing for many people.

Disabled people who are eligible for Social Security Disability Insurance (SSDI) benefits receive Medicare, and those who are eligible for Supplemental Security Income (SSI) receive Medicaid. However, until 2 years after their claim date, SSDI beneficiaries are not eligible for Medicare benefits.

For SSI recipients to qualify for Medicaid, there is no period of waiting.

If a disabled person is approved for SSI in most states, they will automatically be eligible for Medicaid benefits. There are some states, including Ohio and Illinois that are not affected by this rule. These states may have a lower income or lower capitalization for the Medicaid program than the SSI program, hence, they will make their own Medicaid provisions.

You can use your smart phone for a lot of things these days, including researching different Medicare supplement plans. Since access to entertainment and information is so prevalent today, here is a great list of apps that everyone should be taking advantage of.

YouTube is the perfect entertainment app. This is where you are able to search for all kinds of videos that are uploaded by content creators. These could be music videos to your favorite songs, instructional videos and how-to’s, lessons on finance and other various subjects, or just people and animals doing silly things. You can find anything on YouTube. Many people make a ton of money on YouTube simply by recording themselves reviewing products that they try out for their thousands or millions of viewers. The more viewers someone has, the more attention they get from companies that want to promote their products. They can pay the YouTube stars to use or review their products in hopes that it’s the best and most sincere form of advertising, and their customers will be more likely to buy it from them.

Amazon has an app that makes shopping on Amazon right from your smart phone even easier. Any of the normal products you would search for on your web browser can be added right to your Amazon account from your phone, in a mobile-optimized app, so that you can browse quickly and easily and make your purchases just the same.

WhatsApp is a text messaging platform that takes text security to the next level. On WhatsApp, all of your texts are encrypted with end to end encryption meaning they are encrypted once when they are sent from your phone and encrypted again when they reach the phone of the person you are talking to. No outside party could ever read the messages that are sent over WhatsApp, meaning your privacy is absolutely secure. This is important when sharing private information with people that you don’t want others being able to get a hold of. Or if you don’t want people getting ahold of your pictures, you would also want to send those over WhatsApp for the most security possible.

If you use gmail as your email host, download the gmail app to make sending emails even easier and more streamlined straight from the app. You can, of course, connect your gmail to another email app, but using gmail is the best way to ensure you get all of the functionality included in gmail services.